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Tracking Your Progress
Tracking is essential. You need to know what you've done, what's pending, and what's working.
WHAT TO TRACK:
Credit Scores:
- Check weekly (use free services like Credit Karma)
- Record scores in a spreadsheet
- Note what changed before score movements
Disputes:
- Date sent
- Bureau/creditor sent to
- Tracking number
- Response deadline (30 days)
- Outcome
Letters Sent:
- What type of letter
- Who it was sent to
- Date sent
- Date response received
- Result
Account Changes:
- New accounts opened
- Accounts closed
- Balance changes
- Limit changes
CELEBRATE WINS:
When something gets removed:
- Screenshot the before/after
- Post in the community
- Note what worked
- Stay motivated
Most disputes take 30-45 days. Some take multiple rounds. Stay patient and persistent.
THE 90-DAY CHALLENGE:
Commit to working the STCM method for 90 days:
- Week 1-2: Foundation and analysis
- Week 3-4: Personal info disputes out
- Week 5-8: Collection and late payment disputes
- Week 9-12: Follow up, escalate, build credit
Results compound. Stick with it.
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Tracking Your Progress
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